INDUSTRY · BANKING & FSI
Banking cybersecurity — phishing-resistant authentication, PSrE e-signatures, and strong audit trails.
DTI helps banks and financial institutions meet OJK & BI expectations — FIDO2 hardware MFA for critical access, PSrE-certified e-signatures for customer documents, conglomerate reporting, and certified data destruction.
REGULATORY LANDSCAPE
Compliance is a license condition.
Indonesian banks operate under the dual oversight of Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI). OJK governs prudential supervision, IT risk management, and consumer protection. BI governs payment systems, monetary stability, and the national payment ecosystem.
Specific rules accumulate. POJK 11/2022 mandates IT risk management for commercial banks. BI Regulation 2/2024 sets information system security and cyber resilience requirements for payment system organizers. Digital signatures must be PSrE-standard under KOMDIGI Regulation 11/2018. Payment systems must integrate with BI-RTGS, GPN, and BI-FAST.
Layer on top: UU PDP (Law 27/2022) for customer data protection, BSSN cyber incident reporting requirements, and OJK's risk-based authentication expectations. Every system, every vendor, every integration must defend in regulatory inspection — not just at go-live, but over the lifetime of the deployment.
BANKING & FSI CHALLENGES
Where teams in this industry need depth
Four areas where Banking & FSI teams most often need specialist technology that meets regulator expectations without disrupting operations.
Wet signatures slowing onboarding
Customer onboarding, loan agreements, and account opening still rely on physical signatures across hundreds of branches. Document processing takes days, costs scale linearly with volume, and audit trails are inconsistent.
Phishing & account takeover
SMS OTP and software-based authentication remain vulnerable to phishing, SIM swap, and social engineering. Internal access to core banking and treasury operations needs phishing-resistant authentication.
Identity verification at scale
KYC and identity verification across millions of customer interactions strain manual processes. Banks need biometric verification with Dukcapil integration that scales without compromising assurance.
Compliance audit surface
POJK 11/2022, BI Reg. 2/2024, KOMDIGI 11/2018, UU PDP — every system, vendor, and integration must defend in regulatory inspection. Multi-vendor sprawl multiplies audit burden.
SOLUTIONS FOR BANKING & FSI
Preferred-partner products, Banking & FSI-tuned
Specialist technology that keeps Indonesian operators in this sector operational and audit-ready.
Tilaka Digital Signature
Certified electronic signatures for approval workflows that are faster, legally valid, and easy to trace and audit.
YubiKey Security Key
Hardware-grade phishing-resistant authentication. FIDO2, U2F, FIPS. Yubico Preferred Partner in Indonesia.
Data Sanitization
Permanent hardware data destruction (HDD & SSD) — degaussing, physical destruction, and shredding, with a certificate of destruction.
PIKK Reporting
PIKK helps financial holdings collect data, run validation, monitor reporting status, and strengthen cross-entity governance.
TRUSTED BY · BANKING & FSI
Financial institutions using DTI solutions
Including a major Indonesian financial conglomerate running the PIKK reporting platform — named reference available under NDA.
BANKING COMPLIANCE
Credentials that matter to your auditor
Our partner technologies hold the certifications that defend in OJK and BI inspection.
OTHER INDUSTRIES
Explore our industry expertise
Each industry has distinct regulatory expectations and operational realities. Explore the others.
Healthcare
Permenkes 24/2022 · SatuSehat · BPJS · UU PDP
Permenkes-ready SIMRS, EMR, BPJS & SatuSehat integration, PSrE digital signing for hospitals and clinics.
Government & BUMN
BSSN · LKPP · UU PDP
Hardware authentication, secure digital signing, and document sanitation for ministries, BUMN, and agencies.
Enterprise
UU PDP · ISO 27001 · POJK 11/2022
Cross-industry: energy, FMCG, manufacturing, services. The same depth trusted by banks and hospitals.
FREE DOWNLOADS
Related guides & checklists
PDF · 4 pages · Flowchart & matrix
Data Destruction Method Selection Guide
Not all media is destroyed the same way — degaussing does not work on SSD/flash. This technical guide helps you pick the correct method (degauss, crypto-erase, or physical destruction) via a decision tree and a media × method matrix, referencing NIST SP 800-88, IEEE 2883, and ISO/IEC 27001.
Download the guide (PDF) →PDF · 4 pages · Table & checklist
Data Disposal Compliance Checklist
Compliant data disposal requires data to be irrecoverable plus auditable evidence. This checklist maps obligations from UU PDP, ISO/IEC 27001, POJK/PADK, Permenkes 24/2022, and the Archives Law to practical steps and the evidence (policy, records, certificates, audit trail) you need to prepare.
Download the checklist (PDF) →PDF · 4 pages · Diagram & checklist
E-Signature Legal Validity & PSrE Guide
Electronic signatures are legally recognised in Indonesia — but not all are equal. This guide explains the legal basis (UU ITE, PP 71/2019), the difference between certified and non-certified TTE, when certified signatures (via a PSrE like Tilaka) matter, and an e-signature implementation checklist.
Download the guide (PDF) →READY TO MODERNIZE?
Your Banking & FSI operation deserves specialist technology.
Schedule a 30-minute consultation. We'll review your regulatory landscape, existing systems, and integration requirements — and architect a solution that fits.
